Contractor insurance, placed in 48 hours.
General liability, workers comp and commercial auto for the trades. Aiden Risk compares 100+ carriers, and a licensed specialist builds the submission before it goes to market.
- 100+ Carriers
- 140+ Risk Signals
- 48-Hour Placement
Get your contractor quote.
Tell us what you build and what your contracts require. A licensed specialist comes back with real options, not one carrier's price.
Prefer to talk? Call (650) 263-6399
The lines a contractor actually gets asked for
Placed as one program across 100+ carriers, so the gaps between policies belong to someone rather than falling between two brokers.
General Liability
Third-party injury and property damage on the job site, plus the additional insured endorsements your GC asks for.
Workers Compensation
Statutory cover for your crew, with class codes and experience mod reviewed before we take it to market.
Commercial Auto
Trucks, vans and trailers, including hired and non-owned exposure when crews use their own vehicles.
Tools and Equipment
Inland marine cover for the kit that does not sit in a building overnight.
Excess and Umbrella
The limits your contracts require, layered above your primary general liability and auto.
Builders Risk
Course of construction cover for the structure, materials and equipment while the job goes up.
Whatever you put your name on
General contracting
Electrical
Plumbing
HVAC
Roofing
Concrete and masonry
Framing and carpentry
Excavation and site work
Landscaping
Painting and finishing
Mechanical and specialty
From first call to bound in three steps
Tell us about the work
The trades you run, your payroll, the vehicles you operate, and what your contracts require you to carry.
We take it to market
A licensed specialist builds the submission and places it across the carriers that actually write your trade, from 100+ markets.
You bind and get certificates
Coverage goes in place and your specialist issues certificates against the requirements in your contracts.
Contractor insurance questions, answered
What insurance does a general contractor need?
Most general contractors carry general liability, workers compensation and commercial auto as the base, then add tools and equipment, excess or umbrella limits, and builders risk depending on the job. In practice your contracts set the floor, and the requirements vary by state and by owner. A licensed specialist reads those requirements before quoting rather than after.
Do I need workers comp if I only hire subcontractors?
Usually yes. Many states require it regardless of how you staff jobs, and most general contractors will not let you on site without it. If a subcontractor lets their own coverage lapse, their crew can land on your policy at audit and you pay the premium for it. Collecting a current certificate from every sub is what prevents that.
Can you add additional insured and waiver of subrogation?
Yes, where the carrier and the policy form allow it. These are the endorsements general contractors and owners ask for most often, and a missing or wrong one is the most common reason a certificate comes back rejected. We check them against your contract before you need them.
How is Aiden Risk different from my current broker?
Most brokers place a policy and come back at renewal. Aiden Risk monitors 140+ risk signals year-round, so when you add a crew, buy a truck or take on a new class of work, the gap surfaces then rather than twelve months later. Every account still has a licensed specialist on it.
Not sure whether your current certificate would pass? Run it through the free COI checker.
Get covered without making insurance your second job.
Aiden Risk places contractor coverage across 100+ carriers and keeps watching it after the policy is bound.
Prefer to talk? Call (650) 263-6399